| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL | $0 | $0 | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN INSURANCE | $3K | $6K | $9K | 3.74% |
| DIGITAL INSURANCE LLC | 8235 FORSYTH BLVD SUITE 1200 ST. LOUIS, MO 63105 | GUARDIAN INSURANCE | $12K | $5K | $17K | 16.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EVERSIDE HEALTH LLC NONE | Insurance services Service code 23 | 1400 WEWATTA ST DENVER, CO 80202 | $248K |
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $221K |
| CEMENT MASONS LOCAL 527 EIN 43-0210270 COMMON MEMBERSHIP | Plan Administrator Service code 14 | 3341 HOLLENBERG DRIVE BRIDGETON, MO 63044 | $183K |
| ANDERS MINKLER HUBER & HELM LLP EIN 43-0831507 NONE | Accounting (including auditing) Service code 10 | 800 MARKET STREET ST. LOUIS, MO 63101 | $116K |
| ONEDIGITAL NONE | Claims processing Service code 12 | 8235 FORSYTH BLVD SUITE 1200 ST LOUIS, MO 63105 | $60K |
| COMMERCE BANK EIN 43-0554795 NONE | Custodial (securities) Service code 19 | 8000 FORSYTH, 4TH FLOOR ST. LOUIS, MO 63105 | $51K |
| HAMMOND AND SHINNERS PC EIN 43-1164305 NONE | Legal Service code 29 | 7730 CARONDELET AVE, STE 200 ST. LOUIS, MO 63105 | $19K |
| H&H HEALTH ASSOCIATES, INC. NONE | Claims processing Service code 12 | 3660 S GEYER RD ST LOUIS, MO 63127 | $15K |
| SEGAL SELECT INSURANCE EIN 46-0619194 NONE | Insurance services Service code 23 | — | $15K |
| MADDOCK HENSON NONE | Accounting (including auditing) Service code 10 | 5353 S. LINDBERGH BLVD. ST. LOUIS, MO 63126 | $8K |
| LABOR FIRST, LLC NONE | Claims processing Service code 12 | 1000 MIDLANTIC DRIVE STE 100 MOUNT LAUREL, NJ 08054 | $8K |
| ALLIANCE ADVISORS NONE | Consulting (general) Service code 16 | 220 BROADACRES DR BLOOMFIELD, NJ 07003 | $7K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL | 1,627 | $565K |
| Vision(2 contracts, 2 carriers) | GUARDIAN INSURANCE | 1,589 | $267K |
| Life insurance | GUARDIAN INSURANCE | 513 | $100K |
| Short-term disability | GUARDIAN INSURANCE | 504 | $233K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE STOP LOSS-UNITED HEALTH | 540 | $519K |
| Other | GUARDIAN INSURANCE | 513 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,627 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.